Share Certificates
Maximize your savings with a Share Certificate from SRP. Designed to help your money grow faster, our fixed-rate certificates offer competitive dividends and guaranteed returns over a set term. Whether you're building long-term savings or looking for a safe investment option, a credit union share certificate lets your money work harder for you. Lock in a great rate today and start earning more with a secure, reliable savings solution.
Make the Move to Better Savings: Up to 4.25% APY*
*Annual Percentage Yield (APY) is accurate as of 09/01/2026. Minimum opening deposit is $500. The advertised 4.25% APY includes a 0.25% pricing bump for members who deposit $25,000 or more of new money into the 7-month share certificate. New money is defined as funds that were not on deposit at SRP, in any account, prior to taking advantage of this offer. Deposits between $500 and $24,999.99 or amounts over $25,000 that are not considered new money will earn the promoted 4.00% APY. Penalties assessed for early withdrawal on term share certificates, which may reduce earnings. Penalty for early withdrawal will equal 90 days of interest. Fees may reduce earnings. Terms and conditions subject to change without notice. SRP is federally insured by NCUA. Membership required. Visit srpfcu.org for membership eligibility.
| As of September 1, 2026 | ||||
|---|---|---|---|---|
| Term Share/IRA Certificate Accounts | Dividend Rate | APY* | Minimum Opening Deposit | Dividend Period/Dividends Credited |
| 3 Months | 1.98% | 2.00% | $500 | Monthly/Monthly |
| 6 Months | 3.54% | 3.60% | $500 | Monthly/Monthly |
| 12 Months | 3.69% | 3.75% | $500 | Maturity/Monthly |
| 24 Months | 3.20% | 3.25% | $500 | Monthly/Monthly |
| 30 Months | 2.67% | 2.70% | $500 | Monthly/Monthly |
| 36 Months | 3.06% | 3.10% | $500 | Monthly/Monthly |
| 48 Months | 3.11% | 3.15% | $500 | Monthly/Monthly |
| 60 Months | 3.15% | 3.20% | $500 | Monthly/Monthly |
*Annual Percentage Yield (APY) is accurate as of 9/01/2026 - 9/30/2026. Minimum opening deposit is $500. Penalties assessed for early withdrawal on term share certificates, which may reduce earnings. Penalty for early withdrawal will equal 90 days of interest. Fees may reduce earnings. Terms and conditions subject to change without notice. SRP is federally insured by NCUA. Membership required.
